<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE REGISTRANT'S QUARTERLY REPORT ON FORM
10-QSB FOR THE PERIOD ENDED SEPTEMBER 30, 1999 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1998
<PERIOD-END>                                   SEP-30-1999
<CASH>                                                 1678
<INT-BEARING-DEPOSITS>                                 1033
<FED-FUNDS-SOLD>                                       1900
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                           23043
<INVESTMENTS-CARRYING>                                17449
<INVESTMENTS-MARKET>                                  17147
<LOANS>                                               37916
<ALLOWANCE>                                             532
<TOTAL-ASSETS>                                        84226
<DEPOSITS>                                            53680
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                    1397
<LONG-TERM>                                             300
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                  0
<OTHER-SE>                                            28849
<TOTAL-LIABILITIES-AND-EQUITY>                        84226
<INTEREST-LOAN>                                        2135
<INTEREST-INVEST>                                      1645
<INTEREST-OTHER>                                        289
<INTEREST-TOTAL>                                       4069
<INTEREST-DEPOSIT>                                     1456
<INTEREST-EXPENSE>                                     1474
<INTEREST-INCOME-NET>                                  2595
<LOAN-LOSSES>                                             0
<SECURITIES-GAINS>                                      117
<EXPENSE-OTHER>                                        1430
<INCOME-PRETAX>                                        1308
<INCOME-PRE-EXTRAORDINARY>                             1308
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                            920
<EPS-BASIC>                                          0.57
<EPS-DILUTED>                                          0.57
<YIELD-ACTUAL>                                         4.04
<LOANS-NON>                                             274
<LOANS-PAST>                                            537
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                         530
<ALLOWANCE-OPEN>                                        784
<CHARGE-OFFS>                                           252
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                       532
<ALLOWANCE-DOMESTIC>                                    532
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0


</TABLE>